Motor Trade Liability Insurance
Specialist cover designed to protect motor trade businesses against claims for injury, property damage and financial loss.
JMG Motor Trade provides motor trade liability insurance tailored to businesses across the motor industry. Whether you operate a dealership, garage, bodyshop, MOT station, mobile mechanic service, recovery business or valeting company, we can help you arrange liability cover suited to your trade and the risks you face every day.
What Is Motor Trade Liability Insurance?
Motor trade liability insurance offers valuable protection for any motor trade business and is an important part of a comprehensive motor trade insurance policy. It provides your business with financial security should a claim be made if a property is damaged due to your work, or if a customer, employee, or member of the public is injured.
Although its not a legal requirement, motor trade liability insurance can reassure your customers that your business is protected against unexpected accidents and has the financial backing to deal with claims should they arise.
What Does Motor Trade Liability Insurance Cover
Motor trade liability insurance helps protect motor traders against claims made by customers, employees, suppliers, and members of the public. These claims can arise from accidents, injuries, property damage, faulty products, or allegations that work carried out by your business has caused financial loss.
Whether you operate a car dealership, garage, bodyshop, MOT station, vehicle recovery service, or mobile repair business, liability insurance can provide valuable financial protection against the costs associated with defending and settling claims. Without adequate cover in place, a single claim could result in substantial legal expenses and compensation costs.
This type of cover typically includes a combination of public liability, employers’ liability, product liability, and service indemnity cover, helping to protect your business from a wide range of risks associated with operating in the motor trade industry.
Types of Liability Insurance
Motor trade liability insurance can include several types of cover designed to protect your business from claims arising during day-to-day trading activities.
Public Liability Insurance
Public liability insurance protects your business if a customer, supplier, or member of the public suffers an injury or property damage because of your business activities.
Employers' Liability Insurance
If you employ staff, employers’ liability insurance is usually a legal requirement. It protects your business against claims made by employees who suffer a work-related injury or illness.
Product Liability Insurance
Product liability insurance protects your business if a product you supply, sell, or fit causes injury or property damage after it leaves your possession.
Service Indemnity Insurance
Service indemnity insurance helps protect your business if a customer claims that your workmanship, service, or advice caused them financial loss.
Who Needs Liability Insurance?
Motor trade liability insurance can benefit a wide range of businesses operating within the motor trade industry. Whether you work from home, operate a mobile business, or trade from commercial premises, liability cover can help protect your business against unexpected claims.
Vehicle Dealers: Cover for customer visits, vehicle viewings, and day-to-day sales activities.
Vehicle Repair Garages: Protection against claims arising from repair work, workshop operations, and customer interactions.
Mobile Mechanics: Cover while carrying out repairs and servicing at customer locations.
MOT Testing Stations: Protection against claims involving customers, visitors, and business activities on your premises.
Vehicle Valeting Businesses: Cover for businesses working on customer vehicles from fixed or mobile locations.
Breakdown and Recovery Operators: Protection while recovering, transporting, and delivering vehicles.
Bodyshops and Accident Repair Centres: Cover against claims arising from repair work and daily business operations.
How Much Does Motor Trade Liability Insurance Cost?
The cost of motor trade liability insurance depends on the nature of your business, the level of cover required, and the risks associated with your day-to-day operations. Insurers will consider several factors when calculating your premium, including:
- Type of motor trade business
- Number of employees
- Annual turnover
- Claims history
- Business location
- Level of liability cover required
- Products and services provided
Motor Trade Liability FAQs
Choosing the right policy can be confusing, particularly if you’re new to the motor trade. Below are answers to some of the most common questions we receive from traders.
Liability insurance helps protect motor trade businesses against claims for injury, property damage, or financial loss arising from their day-to-day activities. It can help cover legal expenses and compensation costs if a claim is made against your business.
Public liability insurance is not legally required, but it is strongly recommended for many motor trade businesses. Employers' liability insurance is usually a legal requirement if you employ staff.
Liability protection can benefit vehicle dealers, garages, mechanics, bodyshops, MOT stations, valeting businesses, and vehicle recovery operators. It is suitable for businesses operating from commercial premises or on a mobile basis.
Get a Liability Insurance Quote
Whether you’re a vehicle dealer, garage owner, mobile mechanic, valeter, bodyshop, or recovery operator, JMG Motor Trade can help you arrange Motor Trade Liability Insurance tailored to your business.
Our experienced team will take the time to understand your requirements, explain your cover options, and provide a competitive quote from our panel of trusted insurers.
Call 01323 446 485 or visit our Contact Us page to speak with a Motor Trade Insurance specialist and get your quote today.
